Worldwide Medical Insurance for Individuals and Families
Global Prima Medical Insurance from International Medical Group (IMG) is a comprehensive medical plan designed for expats and their families. The Global Prima product has five plan options for applicants to choose from, Bronze, Bronze Plus, Silver, Gold, and Platinum. Each plan level covers medical care, physical health, mental wellness, and crisis support.
Global Prima members can be of any nationality and choose between three coverage areas, Europe, Worldwide excluding the U.S. and its territories, or Worldwide. IMG's global network of doctors and healthcare professionals can be found in each coverage area.
IMG Global Prima offers two optional benefits for members to include in their plan, Routine Pregnancy and Dental, at an additional premium cost. Please note waiting periods do apply to these benefits.
Continue reading to learn more about IMG's Global Prima Medical Insurance Plan.
Global Prima Medical Insurance from International Medical Group (IMG) is a comprehensive medical plan designed for expats and their families. The Global Prima product has five plan options for applicants to choose from, Bronze, Bronze Plus, Silver, Gold, and Platinum. Each plan level covers physical health, mental wellness, and crisis support.
Global Prima members can be of any nationality and choose between three coverage areas, Europe, Worldwide excluding the U.S. and its territories, or Worldwide. IMG's global network of doctors and healthcare professionals can be found in each coverage area.
IMG Global Prima offers two optional benefits for members to include in their plan, Routine Pregnancy and Dental, at an additional premium cost. Please note waiting periods do apply to these benefits.
Continue reading to learn more about IMG's Global Prima Medical Insurance Plan.
Global Prima Highlights
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IMG Global Prima Medical Insurance Benefits
Please review the overall policy limits and the schedule of benefits of the Bronze, Bronze Plus, Silver, Gold, and Platinum Global Prima plans in the table below.
The schedule of benefits for IMG Global Prima's optional benefits, Routine Pregnancy and Dental Treatment, are also included in the table. Applicants can include the optional supplemental benefits to their plan for an additional premium. A waiting period applies for both of the optional benefits. There is a 10-month waiting period placed on the Routine Pregnancy benefit and a 6-month waiting period for Dental Treatments.
| Bronze | Bronze Plus | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Overall policy limit | $1,000,000 | $2,000,000 | $3,000,000 | $4,000,000 | $5,000,000 |
| USA - Treatment Received Subject to the appropriate area of cover, any eligible medical treatment received in the USA must be within the PPO Network. | 50% co-insurance after your policy excess has been applied for eligible treatment received outside the PPO Network. | ||||
| Bronze | Bronze Plus | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Accommodation In hospital</em | | | | | |
| Parent Accommodation In hospital | | | | | |
| Professional Fees | | | | | |
| Medication | | | | | |
| Diagnostics | | | | | |
| Theatre Fees | | | | | |
| Reconstructive Surgery | | | | | |
| Chronic Conditions - Acute | | | | | |
| Chronic Conditions - Routine Management and Palliative Treatment | N/A | N/A | Limited to $10,000 | Limited to $50,000 | |
| Kidney Dialysis Acute Episode | | | | | |
| Kidney Dialysis Routine Management | N/A | N/A | N/A | Limited to $20,000 | Limited to $50,000 |
| Oncology | | | | | |
| HIV/AIDS | N/A | N/A | N/A | Limited to $10,000 | Limited to $20,000 |
| IVF Treatment | N/A | N/A | N/A | N/A | Limited to $2,000 per cycle and a maximum of 3 cycles per lifetime. This benefit is subject to 50% co-insurance. |
| Organ Transplants | $100,000 Lifetime Limit | $100,000 Lifetime Limit | $250,000 Lifetime Limit | $250,000 Lifetime Limit | $500,000 Lifetime Limit |
| Complications of Pregnancy Wait period applies | | | | | |
| Newborn Cover - Premature Births | N/A | N/A | Cover for the first 30 days from birth is limited to maximum sum insured of $10,000 each baby. | Cover for the first 30 days from birth is limited to maximum sum insured of $15,000 each baby. | Cover for the first 30 days from birth is limited to maximum sum insured of $20,000 each baby. |
| Thereafter, cover will exclude any medical conditions which exists at the end of the first 30 day period. | |||||
| Newborn Cover - Congenital | N/A | N/A | $50,000 Lifetime Limit | $75,000 Lifetime Limit | $100,000 Lifetime Limit |
| Physiotherapy | | | | | |
| Rehabilitation | N/A | N/A | N/A | | |
| Psychiatric Illness | N/A | Up to 15 days per year | Up to 30 days per year | Up to 30 days per year | Up to 45 days per year |
| Ancillary Charges The purchase or rental of crutches or wheelchairs following treatment as an in-patient or day-patient. | Up to $200 | Up to $200 | Up to $300 | Up to $300 | Up to $500 |
| Ancillary Charges Provision of external prostheses following treatment of an eligible medical condition. | N/A | N/A | N/A | N/A | Up to $2,000 |
| Home Nursing | Maximum 30 days each year; Up to $100 per visit | Maximum 30 days each year; Up to $100 per visit | Maximum 60 days each year; Up to $100 per visit | Maximum 60 days each year; Up to $100 per visit | Maximum 90 days each year; Up to $100 per visit |
| Transportation | | | | | |
| Cash Benefit | $100 each night up to 30 nights | $100 each night up to 30 nights | $100 each night up to 45 nights | $100 each night up to 45 nights | $100 each night up to 60 nights |
| Emergency Treatment Outside Area of Cover | Maximum 30 nights each year; Maximum sum insured of $20,000 | Maximum 30 nights each year; Maximum sum insured of $20,000 | Maximum 30 nights each year; Maximum sum insured of $30,000 | Maximum 30 nights each year; Maximum sum insured of $40,000 | Maximum 30 nights each year; Maximum sum insured of $50,000 |
| Bronze | Bronze Plus | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Overall Out-Patient Limit | Out-Patient limit of $2,500 within overall policy limit of $1,000,000 | Out-Patient limit of $5,000 within overall policy limit of $2,000,000 | Out-Patient limit of $10,000 within overall policy limit of $3,000,000 | Limited to the overall policy limit of $4,000,000 | Limited to the overall policy limit of $5,000,000 |
| Professional Fees | Limited to $250 each year within the overall out-patient limit. | Within overall out-patient limit. | Within overall out-patient limit. | | |
| Diagnostic | Limited to $250 per diagnostic procedure within the overall out-patient limit. | Limited to $500 per diagnostic procedure within the overall out-patient limit. | Within overall out-patient limit. | | |
| Surgical Treatment | Within overall policy limit. | Within overall policy limit. | Within overall policy limit. | | |
| Medication | Limited to $500 each year within overall out-patient limit. | Limited to $1,000 each year within overall out-patient limit. | Within overall out-patient limit. | | |
| Transportation | Within overall out-patient limit. | Within overall out-patient limit. | Within overall out-patient limit. | | |
| Chronic Conditions - Acute | N/A | Within overall out-patient limit. | Within overall out-patient limit. | | |
| Chronic Conditions - Routine Management and Palliative Treatment | N/A | N/A | Limited to $1,000 each year within overall out-patient limit. | Limited to $5,000 each year. | Limited to $10,000 each year. |
| Kidney Dialysis Acute Episode | Within overall out-patient limit. | Within overall out-patient limit. | Within overall out-patient limit. | | |
| Kidney Dialysis Routine Management | N/A | N/A | N/A | Limited to $5,000 each year. | Limited to $10,000 each year. |
| Oncology | Within overall policy limit; $250 per lifetime wigs during active treatment. | Within overall policy limit; $250 per lifetime wigs during active treatment. | Within overall policy limit; $500 per lifetime wigs during active treatment. | $500 per lifetime wigs during active treatment. | $1,000 per lifetime wigs during active treatment. |
| HIV/AIDS | N/A | N/A | N/A | Limited to $10,000 each year within overall in-patient/day-patient HIV/AIDS benefit limit. | Limited to $20,000 each year within overall in-patient/day-patient HIV/AIDS benefit limit. |
| Physiotherapy | $50 per visit; Limited to 10 visits each year within overall out-patient limit. | $50 per visit; Limited to 10 visits each year within overall out-patient limit. | $75 per visit; Limited to 20 visits each year within overall out-patient limit. | $75 per visit; Limited to 20 visits each year. | $100 per visit; Limited to 30 visits each year. |
| Chiropody or Podiatry | N/A | N/A | Limited to $250 each year within overall out-patient limit. | Limited to $250 each year. | Limited to $500 each year. |
| Complementary Treatment | N/A | N/A | $75 per visit; Limited to 10 visits each year within overall out-patient limit. | $75 per visit; Limited to 20 visits each year. | $100 per visit; Limited to 30 visits each year. |
| Hormone Replacement Therapy (HRT) | N/A | N/A | N/A | Limited to 18 months cover from date of diagnosis. | |
| Optical Standard eye examination | N/A | N/A | Full refund limited to one examination each year within overall out-patient limit. | Full refund limited to one examination each year. | Full refund limited to one examination each year. |
| Prescribed Glasses and Contact Lenses | N/A | N/A | Limited to $150 each year within overall out-patient limit. | Limited to $250 each year. | Limited to $500 each year. |
| Well-Being Benefit Hearing Test Routine Health Waiting period applies</em | N/A | N/A | The total of the benefits available within the well-being is limited to $250 each year within the overall out-patient limit. One test each year within well-being limit. | The total of the benefits available within the well-being is limited to $500 each year. One test each year within well-being limit. | The total of the benefits available within the well-being is limited to $1,000 each year. One test each year within well-being limit. |
| Routine Health Checks | N/A | N/A | Within well-being benefit limit Children up to age 6, limited to 15 visits per lifetime | ||
| Vaccinations | N/A | N/A | N/A | Limited to $250 each year. | Limited to $500 each year. |
| Emergency Dental Treatment – Accidental Damage to Teeth | N/A | N/A | Within overall out-patient limit | | |
| Emergency Dental Treatment – Pain Relief | N/A | N/A | N/A | N/A | Limited to $250 each year. |
| Telemedicine Services Non-Insurance Benefit | N/A | | | | |
| Psychiatric Illness | N/A | N/A | N/A | Limited to $5,000 each year. | Limited to $10,000 each year. |
| Support Program Non-Insurance Benefit | N/A | N/A | N/A | | |
| Bronze | Bronze Plus | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Evacuation | | | | | |
| Following Evacuation Hotel Accomodation | N/A | N/A | Limited to $250 each day, per person. | Limited to $250 each day, per person. | Limited to $500 each day, per person. |
| Repatriation | | | | | |
| Following Evacuation - Return Airflight | N/A | N/A | | | |
| Mortal Remains | Limited to $5,000. | ||||
| Travel Intelligence | | | | | |
| Bronze | Bronze Plus | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Waiting Period Applies | |||||
| Routine Pregnancy and Childbirth Costs | Optional pregnancy limits for each pregnancy $5,000; $10,000; or $20,000 | ||||
| Well Baby Examination | Within the applicable pregnancy limit. | ||||
| Newborn Accommodation | Within the applicable pregnancy limit. | ||||
| Cash Benefit Where no claim is submitted | Limited to $100 each night up to a maximum of 30 nights. | ||||
| Bronze | Bronze Plus | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Waiting Period Applies | |||||
| Overall Dental Treatment Limit | Optional dental treatment limits $1,000 or $2,000 | ||||
| Class 1 | Limited to the overall dental limit and subject to a 10% co-insurance. | ||||
| Class 2 | Limited to the overall dental limit and subject to a 30% co-insurance. | ||||
| Class 3 | Limited to the overall dental limit and subject to a 50% co-insurance. | ||||
| Emergency Dental Treatment | Limited to $250 within the overall dental treatment limit. | ||||
| Accidental Damage | Within overall policy limit | Within overall policy limit | Within overall policy limit | Up to the overall policy limit | Up to the overall policy limit |
Download the IMG Global Prima Medical Insurance brochure to review the schedule of benefits.
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How Much Does a Global Prima Medical Insurance Plan Cost?
The premium cost for an IMG Global Prima Medical Insurance plan is calculated based on plan choice, coverage area, any optional benefits included, deductible, age, and the number of family members included.
Policyholders can pay their insurance premiums monthly, quarterly, semi-annually, or annually.
Policy Excess/Deductible Options to Include on Your Policy
Including a policy excess, more often called a deductible, on your policy will reduce your total premium. The policy excess is per person per policy per period and only applies to in-patient or day-patient and outpatient treatment. Once you have paid the full policy excess amount, IMG covers 100% up to your chosen plan limit.
In the U.S., "deductible" is commonly used, whereas in the UK, it's referred to as "policy excess." IMG's GPMI plan uses the term "policy excess" instead of "deductible," although they carry identical interpretations.
Please see IMG's policy excess options and the corresponding discount percentages in the table below.
| Policy Excess/Deductible | Discount |
|---|---|
| $0 | 0% |
| $50 | 5% |
| $150 | 11% |
| $300 | 20% |
| $500 | 27% |
| $1,000 | 37% |
| $2,500 | 42% |
| $5,000 | 46% |
| $7,500 | 51% |
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Eligibility Requirements for Global Prima
IMG Global Prima Medical Insurance is available to all nationalities, and members can choose between Europe, Worldwide excluding the U.S., or Worldwide as their coverage area. The Worldwide coverage area (Area 3) allows an aggregate of 180 days of coverage in the U.S. Persons of any age may apply for coverage.
Lifetime Coverage
Policyholders who are enrolled in an IMG Global Prima Medical Insurance plan and maintain continuous coverage will be offered the option to renew forever.
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FAQs about IMG's Global Prima Medical Insurance Plan
IMG offers access to quality healthcare through its own network of providers and facilities across the globe. Members can choose their own healthcare provider wherever they are in the world. Use this link to search for a facility, physician, or dentist.
For members residing in the United States, IMG offers two PPO networks through First Health and UnitedHealthcare. Members should refer to their I.D. cards for the appropriate PPO network. If you cannot find a provider in your city or country, please contact IMG's support team via the contact information provided on your insurance card.
The Global Prima plan from IMG has no age limits and allows for lifetime renewal. So, as long as you maintain continuous coverage, your plan will never expire. To maintain continuous coverage, members must routinely pay their plan premium monthly, quarterly, semi-annually, or annually.
IMG guarantees a continuation of cover for members leaving a Global Prima Medical Insurance group scheme. Please notify us or IMG directly if you plan to leave your group scheme and want to continue your medical coverage through IMG GPMI.
Comprehensive maternity benefits are available through the Routine Pregnancy and Childbirth optional rider. Members can opt to include Routine Pregnancy and Childbirth in their plan at an additional premium cost.
The Routine Pregnancy and Childbirth benefit includes coverage for well-baby examinations and newborn accommodation. Please note, a 10-month waiting period applies to the Routine Pregnancy and Childbirth optional benefit.
Yes, the Global Prima plan has Telemedicine services included at no additional cost. Members have phone and online access to a network of medical professionals to discuss new, non-emergency medical issues.
Telemedicine services are only available to members with a Bronze Plus, Silver, Gold, or Platinum plan. There are no Telemedicine services available in the Bronze plan.
As soon as your IMG GPMI policy is active, you can register for access to your MyALC account. In your MyALC account, you will be able to do the following,
- Pre-authorize your treatment,
- Easily submit your claims,
- Read secure messages from IMG's claims team,
- Search for a medical provider,
- Obtain useful travel and security information,
- Start a web chat, and
- Access the secure premium payment area.
Real-Time Claims
When you have visited a medical provider for a routine health check, or eye examination, or have received routine or travel vaccinations, you can contact IMG on WhatsApp to have a real-time claim assessment. Please have the claim documents saved to your mobile device, and once you connect with a team member, they will walk you through the process of submitting a claim. Use the following WhatsApp number to contact IMG's claims support team.
- WhatsApp: +44 29 2046 8500
Outpatient and Dental Treatment Claims
When you have received an outpatient or dental treatment, you will need to pay your own treatment costs upfront and submit a claim to IMG. Outpatient and dental treatments do not need to be pre-authorized. For reimbursement, please follow these steps to submit your claim online:
- Log into your MyALC account
- Click 'Make a Claim'
- Complete the online claim form and upload your claim documents, including invoices and receipts for treatment, medical information, and referral letters
- Submit your claim and one of IMG's claims team members will contact you within five business days
Planned In-Patient & Day-Patient Treatment Pre-Authorization
All in-patient and day-patient treatments must be pre-authorized. If your treatment is not pre-authorized, IMG reserves the right to decline your claim. Please ensure that you apply for pre-authorization of a planned treatment no later than five business days prior to your appointment. To request pre-authorization of treatment, please follow these steps:
- Log into your MyALC account
- Click 'Make a Pre-authorization Request'
- Complete the online pre-authorization form and upload your medical information, referral letters and any cost estimates you have
- Submit your request, and IMG will aim to contact you within two business days
- Once IMG has all the information they need, they will aim to issue the Guarantee of Payment and arrange for the providers to invoice them directly
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